又一家中小险企风险处置落地。 山东金融监管局近日发布公告称，富泽人寿获批开业，并受让君康人寿的保险业务。而根据君康人寿的 最新公告，该公司于12月17日14时起正式停止承保和停止收付费，12月20日起将停止一切服务。这也意 味着，在经历了一系列动荡后，君康人寿正式走向落幕。 富泽人寿登场 从公告来看，富泽人寿总部位于山东济南，并接受山东金融监管局的属地监督管理，注册资本为170亿 元。同时，其多家分支机构也一并获批筹建。 和之前成立的中汇人寿、瑞众人寿、申能财险一样，富泽人寿的诞生也带着化险的使命而来。 君康人寿保单权利人无须更换保险合同，保单权利人的各项合法权益不受影响。 从近年来的保险业风险处置来看，设立新公司来承接风险处置险企的保险业务是较为常见的做法，例如 此前被监管机构接管的四家险企中，除了易安财险之外，华夏人寿、天安人寿、天安财险均是用此方式 来落地风险处置方案，它们的保险业务分别被新设公司瑞众人寿、中汇人寿、申能财险"接盘"。业内人 士认为，这一方式可进行有效风险隔离，确保保单权利人的各项合法权益不受影响，同时便于对风险险 企做出进一步处罚措施。今年华夏人寿、天安人寿、天安财险均被吊销业务许可证 ...

Core Viewpoint - The establishment of Fuzhou Life Insurance represents a significant step in the restructuring of the insurance industry, aimed at resolving existing risks and enhancing the market ecosystem [2][10]. Group 1: Company Overview - Fuzhou Life Insurance was approved for establishment on January 20 and began operations on June 19, with a registered capital of 17 billion yuan [3]. - The company has been authorized to set up provincial branches in five major cities and 21 subsidiaries, covering essential regions and offering a full range of life, health, and accident insurance products [3][10]. - The company is tasked with taking over all insurance business, assets, and liabilities from the troubled Jun Kang Life Insurance, ensuring a smooth transition for millions of policyholders [2][3]. Group 2: Shareholding Structure - The shareholding structure of Fuzhou Life Insurance is characterized by local state-owned capital dominance, with Jinan Jintou Holding Group holding 49.71% and Jinan Zhengjintongda Investment Group holding 3.53% [4]. - The China Insurance Security Fund contributes 6 billion yuan for a 35.29% stake, providing essential credit enhancement and financial support during the transition [5]. - The involvement of large professional insurance institutions, such as China Life Asset Management, indicates a blend of local government responsibility and industry expertise in risk management [5]. Group 3: Management Team - The management team includes a mix of regulatory and market-driven appointments, with the chairman having extensive experience in local financial supervision [6]. - The CEO is a market-driven professional with a strong background in financial management across various insurance companies, indicating a focus on operational efficiency and risk control [6][10]. - The governance structure aims to balance regulatory oversight with market-oriented management, although potential challenges in decision-making efficiency may arise [6]. Group 4: Historical Context of Jun Kang Life Insurance - Jun Kang Life Insurance has faced significant operational challenges since its inception in 2006, including unstable ownership and governance issues [7]. - The company experienced severe financial distress under previous ownership, leading to a critical decline in its solvency and operational transparency [7][8]. - The restructuring process for Jun Kang Life began in 2024, with a dedicated task force focusing on risk management and asset recovery [8]. Group 5: Strategic Importance for the Region - The establishment of Fuzhou Life Insurance is a strategic move to enhance the financial landscape in Shandong province, which has been lacking a major local insurance entity despite its economic significance [10][11]. - The company aims to support the local economy by providing essential insurance services, particularly in sectors with high demand for risk management and financial support [11]. - Fuzhou Life Insurance's mission emphasizes a commitment to social responsibility and community service, aligning with national strategies for economic development [11].